The Right Loan

Whatever your borrowing needs, Community First has the right loan for
you.

Choosing which loan will be the best for you can be a daunting task,
but at Community First we make the choice as easy as possible. It all
comes down to how much you wish to borrow, how much you can afford to
repay and whether or not you have security to cover your loan.

Generally our loans are of two different types:

Mortgage Secured Loans

Unsecured Loans

Mortgage Secured Loans are those where you offer a mortgage over real
property, usually a house, unit or block of land, to cover the loan.
The amount of a mortgage secured loan is usually larger and, because the
loan is secured, the interest rate charged is lower.

Unsecured Loans are those where no mortgage is taken to secure the
loan. The amount borrowed is usually lower and the time taken to repay
the loan (the term of the loan) is shorter. Interest rates, whilst very
competitive, are higher than for loans secured by mortgage.

Our Loan Calculator will allow you to calculate the repayments you
will need to make on various amounts borrowed and to work out how much
you can borrow. Though we go out of our way to help, we are very careful
at Community First not to allow people to get too deeply into debt.

If you want to borrow up to $5,000...

a Community First Personal Line of Credit might be for you. Security
isn't generally required and you have the full amount of your credit
limit available to you, less the amount you have already drawn. You only
pay interest on the amount you use.

If you want to borrow up to $35,000...

Community First makes unsecured loans up to $35,000 to approved
applicants. These are our Personal Best Loan and Car Cash Loan. We give
you quick approval and competitive fixed or variable interest rates. See
our Question and Answer section on the features of each type of rate.

If you want to borrow up to $1,000,000...

you'll need one of our Mortgage Secured Loans . We have a wide range
of loans available, so whether you are buying a home, making an
investment in property, or getting into the Sharemarket, we have a loan
just for you.

We'll come to you.

A Mobile Lending Consultant will be pleased to visit you at your home
or workplace, at a time that suits you. Just call the number below or
send an email to arrange an appointment.

For more information or to apply by phone

Please call Community First Direct on 1300 13 22 77,
visit your local Community First Financial Services Store, or send an
email to arrange to have a Member Service Officer contact you.